Instructions for applying for an online small loan license

Online small loan license

Application conditions

Things to know about online small loan license

Application conditions

Please note that online small loans are somewhat similar in function or model to P2P online loans.，Favored by online lending platforms。Transformed into small loans，So what is the current situation of the small loan market?

Online small loans obtain borrower customers through online platforms，Comprehensive use of various data and information analysis to assess borrower credit risks，Determine the credit method and amount，and complete the loan application online、risk audit、loan approval、Full-process microfinance business including loan issuance and loan recovery。Online small loans mainly use self-owned funds to earn interest，The local financial office is responsible for issuance and supervision of licenses。

in just ten years，Internet small loans have experienced peaks and troughs。Hopes are placed on using the Internet to reduce costs，A small loan company that better serves local small and micro entities，in actual operation，License for rent，Alienation into cash loan，usury、beheading、Frequent problems such as violent debt collection。Cross-regional operations lead to untimely supervision，Institutions circumvent leverage limits，Let risks gather。

Along with the rectification of cash loans in 2025，Implementation plan for special rectification of online small loans released，The increase in the ban on online small loans is clarified、clearance amount、deleveraging、Rate control、Check compliance and other content。Online small loans press the pause button，hit rock bottom。

at present,Online small loan licenses have become the most cost-effective lending licenses in the Internet finance industry，The business scope that can be covered is extremely wide，including small loans、bill discounting、Asset transfer、Manage distressed assets、Agency sales of financial products from licensed financial institutions, etc.。first，Policy，Or actively support the transformation of small loans?，However, the positioning of online small loans still needs to be clarified and confirmed.。

Yin Zhentao, deputy director of the Law and Finance Research Office of the Institute of Finance, Chinese Academy of Social Sciences, told the Mutual Finance Observatory，Judging from the guidance of regulatory policies, online lending platforms are encouraged to transform into small loans.。P2P transformation and exit，Online small loans are a very important regulatory direction。

From a broad perspective，There are two directions for regulatory guidance，One is in finance，That is, obtaining a financial license，Similar to consumer finance license and online small loan license；The other is to do technology，Includes diversion，Including loan market。Business scope of online small loan license：1.Handle various small loans；2.Apply for bill discount；3.Handle asset transfer；4.Handle settlement under loans；5.Other asset businesses approved by the China Banking Regulatory Commission。

1.policy support：The State Administration of Taxation clarified the tax policies applicable to financial enterprises for small loan companies in 2025，Tax relief for microfinance companies。2.market trends：According to the analysis of the "Statistical Data Report on Small Loan Companies in 2025" released by the Central Bank on January 25, 2025,，with 2025、2025Compared with the same period last year，2025This year has reversed the downward trend of the previous two years.，Renew growth trend。

This also confirms from the side that the number of small loan companies in our country has experienced a continuous decline in recent years.，There are signs of gradual recovery。3.value to business：Invest and establish a small loan company，Conducive to accumulating experience in investing and managing financial businesses，Improve corporate credibility，Reduce the operating risks of a single main business。

The registration procedures for the newly established online lending platform are as follows:：Register and obtain a business license—apply to the financial regulatory agency at the place of registration for registration—the local financial regulatory department issues official documents for registration.。according to

Require

，Nine major materials are required for filing and registration of a newly established online loan platform。

include：1) Basic information of online loan platform，as name、Address、Organizational form, etc.；2) List of shareholders or contributors and amount of capital contribution、Equity structure；3) Business development strategy and planning；4) Compliance Business Commitment Letter；5) A copy of the original and duplicate business license of the enterprise；6) Legal representative and director、supervisor、Basic information of senior managers；7) List of branches and their locations；8) Online loan platform official website and APP name；9) Local financial regulatory authorities

Require

Other documents submitted、material。

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